Review: Citi Simplicity Credit Card | The Motley Fool

If you want flexibility — whether that’s paying down debt, managing new expenses, or both — this card gives you a defined window to do it without interest.

With 18 months of 0% intro APR on both balance transfers and purchases, you can choose how to use it based on what you need most right now.

You won’t even pay an annual fee to hold the card, and applying takes just a few minutes from your phone or computer.

But don’t wait too long — we often see 0% intro APR periods get cut without notice, so it’s smart to act while this one’s still available.